How to Get Your Arizona Life & Health Insurance License: Step-by-Step Guide

An Arizona Life & Health license authorizes you to sell life insurance, annuities, health insurance, and long-term care products. The path runs through four stages: eligibility, studying, your PSI exam, and applying for the license.

Quick answer: Arizona doesn't require a set number of pre-licensing hours for Life & Health — study a couple of weeks, pass the PSI exam at 70% or better, then apply through NIPR to the Arizona Department of Insurance and Financial Institutions (DIFI).

Step 1: Confirm you're eligible

You must be at least 18 years old. Arizona will review any criminal history as part of your application — see DIFI's licensing resources for the current eligibility rules before you start studying if that applies to you.

Step 2: Study the required material

Arizona doesn't set a fixed pre-licensing hour requirement for Life & Health, but the exam draws on Arizona Revised Statutes Title 20 alongside general life and health insurance concepts, so state-specific prep matters. Our Arizona Life & Health course is built directly against Arizona's own statutes and DIFI's rules, not a generic national template.

Step 3: Schedule and pass your exam through PSI

PSI Services administers Arizona's insurance exams. You'll register through PSI's Arizona insurance candidate page, pick an in-person test center or remote proctoring, and pay the exam fee. Note: Arizona's exam vendor changed from Pearson VUE to PSI in September 2025 — fee amounts have shifted during that transition, so confirm the current fee directly on PSI's portal before you register rather than trusting an older figure.

A few practical notes for exam day:

• Bring a valid, government-issued photo ID showing your name, signature, and photo.
• Arrive at least 30 minutes early for check-in.
• No personal items — phones, bags, smartwatches — allowed in the testing room; PSI provides secure storage.
• You need 70% correct to pass.
• Arizona limits you to 4 exam attempts per line of authority within a 12-month period; a 5th unsuccessful attempt triggers a 1-year wait before you can try again.

Step 4: Apply for your actual license

After passing, apply for your license through NIPR or directly with DIFI. Arizona requires fingerprinting through the Arizona Department of Public Safety's Public Services Portal as part of the application — you'll need your DPS registration number on the NIPR application.

What it actually costs

Item	Typical cost
PSI exam fee (per attempt)	Varies — confirm on PSI's Arizona portal
Resident producer license application fee	$120
Fingerprinting (AZ DPS / FBI)	Roughly $20–$45
Pre-licensing course	Varies by provider

These figures come from NIPR's Arizona fee schedule and DIFI, and change from time to time — confirm before you pay.

Putting it together

Most candidates finish an Arizona-specific course in one to three weeks, take practice exams until they're consistently clearing 70%, then schedule the real exam and apply through NIPR once they pass.

Related reading

• How Much Does It Cost to Get an Insurance License in Arizona?
• How to Get Your Arizona Adjuster License
• Producer vs. Adjuster License: What's the Difference?
• 7 Tips to Pass Your Arizona Insurance Licensing Exam